It is terrific that you are thinking about retirement planning already. Because you are still young, any money you save or invest for retirement now will have a real opportunity to grow. Make sure you are taking advantage of opportunities for your money to compound tax free, whether in an IRA, Roth IRA, 401(k), 403(b) or 457 plan. Learn more here.

And don't be discouraged if you can afford only to save a little now, because every bit helps. Once you get in the savings habit, you will be hooked!

You may feel conflicted between saving for retirement and other goals such as buying a home or paying for children's educations. Look for opportunities to save, even small amounts. Make sure you are taking advantage of opportunities for your money to compound tax-free, whether in an IRA, Roth IRA, 401(k), 403(b) or 457 plan. Learn more here.

Also keep in mind the benefit of working for, and staying with, a union employer that offers a solid pension plan and better wages. It can make a huge difference in your retirement.

It may feel impossible to plan for retirement when you are working, perhaps raising a family and trying to enjoy your life. Look for opportunities to save even small amounts. Make sure you are taking advantage of opportunities for your money to compound tax free, whether in an IRA, Roth IRA, 401(k), 403(b) or 457 plan. Learn more here. And don't be discouraged if you can afford only to save a little now, because every bit helps.

Also make sure you fully understand the benefits you might receive from Social Security and/or a pension plan at work, and join other union members to speak up and help preserve these important benefits!

As retirement gets closer, you will want to really step up your planning. Look at your retirement planning To Do list from this quiz and tackle one area at a time. Remember, if you can't do everything you want to prepare for retirement, it doesn't mean you can't do anything to prepare.

Also make sure you fully understand the benefits you might receive from Social Security and/or a pension plan at work, and join other union members to speak up and help preserve these important benefits!

You are probably surprised at how quickly retirement is getting here! Take a careful look at your planning check list and spend time on the things you need to do to get ready. Remember to focus on the things within your control (managing your expenses, for example) and just do the best you can on the ones you can't directly control (inflation, for example).

Also make sure you fully understand the benefits you might receive from Social Security and/or a pension plan at work, and join other union members to speak up and help preserve these important benefits!